I recommend that you find a trusted or recommended Mortgage Loan Originator (MLO), who can give you options for property-based loans (mostly investment loans) and they don't use your taxes but the P&L of the property.

There is an incredible amount of points to consider when weighing the options on something like this and honestly, I don't recommend it to very many people at all ....even seasoned tradesmen and investors.

I am currently 21 years old and was recently hired with my dream job in Sarasota County (I saw that Sarasota wasn’t an option so I picked the closest.)

I would finish 4/6 rooms down there with proper egress and optional ventilation.

Quote from @Zongfu Li: An agent named Mathew Dial contacted me for loan opportunity and told me how flexible and how easy they can provide bridge loan lending and conventional lender.

You pay your agent at closing (think of it as an additional closing cost) Depending of the situation and of these options can be used by you and your agent to negotiate with the seller.

Debt reductionLots of people only consider the first option. " I am not putting any money in to my pocket month over month."

I literally laughed through the phone at his suggestion, because I was broke, in debt, and in every way and unqualified borrower, and the lending environment in 2012 was probably stricter than it had been since the invention of the 30yr mortgage.

Home prices have decreased over the last 18 months so there is lack of good options and values still above normal. 

I’m going to talk to them today about the complaints that I am getting, but if this pursues, what exactly are my options in this situation?